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          21号文
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<p>缩写或简称泛滥的地方，非金融莫属了。21号文的全称是：中国人民银行关于强化银行卡受理终端安全管理的通知（银发〔2017〕21号）；看完觉得还是21号文更好交流。该规范规范了银行卡受理终端。</p>
</blockquote>
<a id="more"></a>

<h2 id="规范"><a href="#规范" class="headerlink" title="规范"></a>规范</h2><p><a href="http://www.pbc.gov.cn/tiaofasi/144941/3581332/3589575/index.html" target="_blank" rel="noopener">21号文</a></p>
<h3 id="目的"><a href="#目的" class="headerlink" title="目的"></a>目的</h3><ul>
<li>加强终端安全管理</li>
<li>提升支付风险防控管理</li>
<li>防范电信网络诈骗以及伪卡欺诈</li>
<li>切实保护人民群众的财产安全和合法权益</li>
</ul>
<h3 id="措施"><a href="#措施" class="headerlink" title="措施"></a>措施</h3><h4 id="交易报文"><a href="#交易报文" class="headerlink" title="交易报文"></a>交易报文</h4><p>交易报文在下面的场景中需要包含必需的内容</p>
<table>
<thead>
<tr>
<th></th>
<th>ATM</th>
<th>POS</th>
</tr>
</thead>
<tbody><tr>
<td>本代本</td>
<td>- 终端代码</td>
<td>- 受理机构编码<br>- 商户编码<br>- 终端编码<br>- 终端序列号<br>- 终端应用版本编号</td>
</tr>
<tr>
<td>本代他</td>
<td>- 受理机构编码<br>- 终端编码</td>
<td>同上</td>
</tr>
</tbody></table>
<h4 id="受理终端注册管理"><a href="#受理终端注册管理" class="headerlink" title="受理终端注册管理"></a>受理终端注册管理</h4><h5 id="管理平台"><a href="#管理平台" class="headerlink" title="管理平台"></a>管理平台</h5><p>清算机构搭建受理终端注册管理平台，商业银行或者支付机构在其管理平台上注册终端信息。</p>
<h5 id="注册数据规范"><a href="#注册数据规范" class="headerlink" title="注册数据规范"></a>注册数据规范</h5><p>同步文件即商业银行或者支付机构在管理平台上的提交的终端信息文件，反馈文件即管理平台反馈给注册方的信息文件，主要包括了概要统计信息，例如总条数，成功条数，拒绝条数；如果有拒绝记录，则包括了拒绝记录的原始记录及其拒绝原因。</p>
<p>POS终端是需要商户信息的，因为POS是商户收单的机具。</p>
<table>
<thead>
<tr>
<th>ATM</th>
<th>POS</th>
</tr>
</thead>
<tbody><tr>
<td>ATM终端注册同步文件<br>ATM终端注册反馈文件</td>
<td>POS终端注册同步文件<br>POS终端注册反馈文件</td>
</tr>
<tr>
<td></td>
<td>商户注册同步文件<br>商户注册反馈文件</td>
</tr>
</tbody></table>
<h5 id="时间要求"><a href="#时间要求" class="headerlink" title="时间要求"></a>时间要求</h5><ul>
<li>新入网ATM终端至少于布放或变更前一个工作日完成终端信息注册</li>
<li>新入网POS终端至少于布放或变更后两个工作日完成终端信息注册</li>
</ul>
<h4 id="终端产品质量管理"><a href="#终端产品质量管理" class="headerlink" title="终端产品质量管理"></a>终端产品质量管理</h4><p>终端产品需要符合国家标准和金融行业标准</p>
<h4 id="受理终端支付风险防控"><a href="#受理终端支付风险防控" class="headerlink" title="受理终端支付风险防控"></a>受理终端支付风险防控</h4><ul>
<li>信息校验</li>
<li>风险监控</li>
<li>联动防控</li>
<li>密钥管理</li>
</ul>
<h2 id="解读"><a href="#解读" class="headerlink" title="解读"></a>解读</h2><p>该条法更多在于解决： 防范电信网络诈骗以及伪卡欺诈 ，因为近10年电信诈骗特别猖狂且疯狂增长，可以参考 <a href="https://www.sohu.com/a/114330177_454426/" target="_blank" rel="noopener">https://www.sohu.com/a/114330177_454426/</a> ；伪卡欺诈，可以参考：<a href="https://www.sohu.com/a/146377196_120702" target="_blank" rel="noopener">https://www.sohu.com/a/146377196_120702</a></p>
<p>同时参考银联最近的数据，伪卡欺诈依旧是主要的欺诈，不过非面对面欺诈呈逐年递增势头。</p>

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